Best ULIP investment options for women in 2025

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Unit Linked Insurance Plans (ULIPs) are gaining popularity among Indian women as a dual-purpose tool that combines insurance with investment. For salaried professionals, entrepreneurs, or homemakers aiming to build wealth while securing their future, ULIPs offer a disciplined route to long-term savings. With market-linked returns, tax-saving benefits under Section 80C and 10(10D), and flexibility to choose between debt and equity, they are increasingly seen as smart financial choices.

Why ULIPs suit women investors

ULIPs are especially attractive to women because they balance risk and security. Whether you are saving for your child’s education, a home, or early retirement, ULIPs offer goal-based planning. They also give policyholders the power to switch between funds as life situations and risk tolerance change. Insurance companies are also offering ULIP plans with women-specific benefits like waiver of premium on pregnancy complications or child-related emergencies.

Top ULIP plans for women in India (2025)

1. HDFC Life Click2Wealth – Ideal for young investors, this plan offers multiple fund options and no premium allocation charge.

2. ICICI Pru Signature – Known for wide fund choices and loyalty additions; good for long-term wealth creation.

3. Max Life Online Savings Plan – Offers built-in life cover with zero policy administration charges in later years.

4. Bajaj Allianz Future Gain – Allows high returns through multiple fund switch options, plus death benefit.

5. LIC’s New Endowment Plus – Backed by trust in LIC, good for moderate-risk takers looking for stability.

6. SBI Life Smart Wealth Assure – Single premium ULIP with market-linked returns and option to choose fund risk level.

7. Tata AIA Fortune Pro – Strong performer in equity funds, with loyalty additions and maturity benefit.

8. Aditya Birla Sun Life Wealth Aspire – Offers low charges and flexibility in fund switching.

9. PNB MetLife Smart Platinum Plus – Offers personalized fund management options for investors with varying risk profiles.

10. Kotak e-Invest ULIP – Provides both wealth and child education benefits with zero premium allocation charges.

Things to keep in mind

ULIPs come with a five-year lock-in period, so they are suitable only if you can stay invested for the long term. While charges have reduced in recent years, policyholders must still understand fund management costs and switching limits. The return on a ULIP depends heavily on market performance, so review your fund allocation regularly to stay aligned with your goals.

Secure your future, smartly

ULIPs offer Indian women a powerful tool to plan their financial future while staying protected. With the right plan tailored to your goals and risk appetite, ULIPs can help you build long-term wealth while taking advantage of life insurance coverage and tax savings.